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Cheap Auto Insurance Finding a cheap auto insurance policy that offers great coverage can be a challenging task if you don’t know some of the cheap auto insurance “tricks” of the trade auto owners insurance charlotte nc. In order to get the best value for your money, you need to search for an plan that suits both your needs and your budget. Rates vary from one auto insurance provider to another, so taking the time to compare car insurance quotes is very important. Finding the cheapest auto insurance quotes online is a snap with our free cheap auto insurance rate finder! Find the cheapest auto insurance companies – just enter your zip code in above to compare quotes from competing auto insurance companies now! Factors That Affect Your Car Insurance Rates Before you go shopping for cheap car insurance, you should be aware that there are several factors that may affect your premiums. Insurance companies calculate auto insurance rates based on your age, gender, marital status, location, driving experience and credit score. The number of miles driven each year, as well as the type of car you own may influence your rates.
That is why they usually pay more on auto insurance. After the age of 25, drivers can see a decrease in their rates. Gender – Women are safer drivers, so they get lower premiums than male drivers. Marital Status – Insurance companies believe that a married person is more responsible. In addition, married couples usually buy insurance for more than one car, which helps them receive a discount.
Type of Car – Sports cars and luxury vehicles cost more to insurance than traditional cars. Insurance providers look at the likelihood your vehicle will be involved in an accident or stolen and how much it will cost to replace or repair. Mileage – The more you drive, the more likely you are to get involved in a car accident. If you only drive occasionally, you will qualify for a low mileage discount and save money on auto insurance.
Although you have no control over some of these factors, there are a couple of things you can do in order to get the best rates on your car insurance policy. Types of Auto Insurance When shopping for cheap car insurance, it is important that you do a little research to learn more about the different types of coverage out there. Each state has minimum coverage requirements, but you need to evaluate your options and buy a policy that serves your interests. Here are the main types of auto insurance: Liability Insurance Most states require drivers to carry liability insurance. In the event of a car accident for which you are responsible, this type of insurance covers the medical bills, as well as the cost of repairing a house or any other property damaged in that accident.
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This policy insures you against damage to your car, but it also covers medical bills, accidental damage, theft and fire. Since most insurance providers refuse to insure 100% of the value of a car, make sure you read the small print on your policy in order to find out what is included. Uninsured/Underinsured Motorist Bodily Injury These two types of auto insurance pay for injuries to you and your passengers, as well as medical expenses and other damages caused by a driver who has little or no insurance. In some states, the number of uninsured drivers can reach 25%.
Medical Payments This type of coverage pays for medical expenses resulting from a car accident, regardless of who is at fault. If you already have health insurance, medical payments coverage may not be necessary. Make sure you know your state’s requirements before buying this policy. Pay As You Drive Pay-As-You-Drive is one of the newest types of car insurance. Also known as Usage-based, Mileage-Based, Pay-As-You-Go, and Distance-Based auto insurance, this type of coverage gives you the possibility to pay your auto insurance rates based on the number of miles you drive during the policy term. This type of coverage is suitable for lower-income households, because it has more affordable rates than other policies.
In addition to the types of auto coverage presented above, there are many other options to choose from. Drivers can also opt for Rental Car Reimbursement insurance, Emergency Roadside Service, Accidental Death Indemnity and Gap insurance. Ways to Save on Car Insurance Regardless of what type of car insurance you choose, there are many ways to cut costs and save money on your policy. Drivers can save hundreds of dollars on auto coverage simply by comparing three to five quotes from different companies.
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Military Discounts – Most companies offer lower rates to current members of the military. Good Student Discounts – Having good grades at school can help you get auto insurance for less. This discount is available to students and graduates under the age of25. Club Membership Discounts – Being a member of certain organizations and clubs can result in lower car insurance rates.
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